# Lead Machine Learning Scientist, Business Banking **Company**: Monzo **Location**: Cardiff **Work arrangement**: remote **Experience**: senior **Job type**: full-time **Salary**: £115,000 - £150,000 **Category**: Data Science **Industry**: Finance **Apply**: https://job-boards.greenhouse.io/monzo/jobs/8121191?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply **Canonical**: https://yubhub.co/jobs/job_4e020bb7-701 ## Description We're on a mission to make money work for everyone. As a Lead Machine Learning Scientist in Business Banking, you'll help build and ship models that power the next generation of Business Banking experiences. ## Responsibilities As a Lead Machine Learning Scientist, you'll be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that powers magical Business Banking experiences. You'll: - Be one of the first ML Scientists in Business Banking, bringing leadership through ambiguity by adding structure and direction to our ML capabilities while staying agile and building momentum. - Develop and deploy advanced ML models on our cloud-native data platform to serve hundreds of thousands of business customers. - Partner with Product, data science and other stakeholders to identify the highest-impact opportunities, size impact, and define success metrics. - Decide when to use ML, GenAI, or simpler approaches and be clear on trade-offs. - Design robust evaluation and monitoring so we can ship responsibly and measure impact in production. - Lead the design and implementation of batch and near-real-time models (e.g. LLM-powered experiences, predictive models, time-series forecasting). - Collaborate closely with MLOps and Backend Engineering to operationalise models end-to-end and raise the bar on ML lifecycle rigor. - Set technical standards, mentor others, and support experimentation and iteration. ## Requirements You should apply if: - You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems, preferably in a fast-moving tech company. - You have experience developing and shipping state-of-the-art ML models to production and delivering business impact. - You're impact-driven and excited to own the end-to-end journey that starts with a business problem and ends with your solution having a measurable impact in production. - You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so. - You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go, which is used in many of our backend microservices. - You're comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity. - You want to be involved in building a product that small businesses use to run and manage their financial lives every day. - You have a product mindset: you care about customer outcomes and you want to make data-informed decisions. - You're excited about fast-moving developments in Machine Learning and AI and can communicate those ideas to colleagues who are not familiar with the domain. - You're adaptable, curious and enjoy learning new technologies and ideas. - You're excited by the opportunity to help Business Banking evolve into AI and ML-enabled product capability. - You can work closely with Product, Engineering, Design, Research and Data colleagues to shape product strategy, clarify trade-offs and build things that customers actually use. - You're thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter. ## Nice to haves - Experience working on personalisation, ranking, recommendation, forecasting, classification or decisioning problems for customer-facing applications. - Experience working on ML systems for fintech, banking, accounting, payments, lending, invoicing, cash flow, tax, risk or business software. - Experience with GenAI, LLMs, agentic workflows, retrieval, evaluation frameworks, or human-in-the-loop product experiences. - Commercial experience writing critical production code and working with microservices. - Experience designing experiments, A/B tests or other approaches to measure product and customer impact. - Experience working in regulated environments or with products where explainability, auditability and customer trust are especially important. ## Benefits We offer: - £115,000 - £150,000 + Incentive Awards tied to your performance - Flexible working hours - Learning budget of £1,000 a year for training courses and conferences - And much more ## Skills ### Required - Python - scikit-learn - SQL - Machine Learning - GenAI - LLMs ### Nice to have - personalisation - ranking - recommendation - forecasting - classification - decisioning - fintech - banking - accounting - payments - lending - invoicing - cash flow - tax - risk - business software --- Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/monzo/jobs/8121191?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)